Lower Your 1999 Toyota Corolla Insurance Cost

Want the cheapest insurance coverage rates for your Toyota Corolla? Saving money on insurance coverage is always difficult for people who are new to buying insurance online. Consumers have so many companies to choose from that it can easily become a real challenge to compare prices.

Smart consumers take time to compare prices every six months because rates change regularly. Just because you found the lowest price on Corolla insurance on your last policy there may be better deals available now. Don’t believe everything you read about insurance coverage online, so we’re going to give you a bunch of ideas how to save money.

This article will help educate you on how to get online quotes and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using this strategy. Although consumers need to learn how the larger insurance companies price insurance differently.

How to reduce 1999 Toyota Corolla insurance rates

Insuring your fleet can be pricey, but companies offer discounts to reduce the price significantly. Some discounts apply automatically at the time of purchase, but some must be asked for prior to getting the savings.

  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on the same auto insurance policy can get a discount on all vehicles.
  • Discount for Good Grades – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • Senior Discount – If you qualify as a senior citizen, you may be able to get reduced rates on Corolla insurance.
  • Clubs and Organizations – Being a member of a professional or civic organization is a good way to get lower rates when buying auto insurance on Corolla insurance.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to frequent claim filers.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • Drivers Education – Cut your cost by having your teen driver complete a driver education course in school.

A little note about advertised discounts, many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, companies wouldn’t make money that way. But all discounts will bring down your overall premium however.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Double check with all companies you are considering what discounts are available to you. All car insurance discounts may not apply in every state.

How to Compare Insurance Costs

There are a variety of methods you can shop for 1999 Toyota Corolla insurance but one way is less labor-intensive and much quicker. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you could save time and use online quoting to get the quickest rates.

All the larger companies participate in a marketplace where insurance shoppers send in one quote, and each participating company returns a rated price. This system prevents you from having to do quote requests for each company you want a rate for.

To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to comparing rates this way is you are unable to specify the providers to get quotes from. So if you prefer to choose specific insurance companies to compare prices, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just make sure you use identical coverages and limits for every company. If you enter unequal deductibles or liability limits you can’t possibly determine the best price for your Toyota Corolla. Slightly different coverage limits may result in large price differences. And when comparison shopping, more quotes helps you find a lower rate.

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

  • Do I need added coverage for expensive stereo equipment?
  • Does my medical payments coverage pay my health insurance deductible?
  • Can I drive in Mexico and have coverage?
  • Am I insured when driving a different vehicle?
  • What exactly is covered by my policy?
  • Is my camper covered by my car insurance policy?
  • Am I covered when driving on a suspended license?
  • Why do I only qualify for high-risk insurance?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, take a second and complete this form.

What insurance coverages do you need?

Knowing the specifics of your insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

This coverage protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, structural damage and medical services. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as crashing into a ditch, crashing into a building and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Usually these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for pain medications, X-ray expenses, EMT expenses, chiropractic care and ambulance fees. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive insurance

This will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, theft, damage from getting keyed, damage from a tornado or hurricane and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Best coverage at the best price

People leave their current company for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, not issuing a premium refund and even questionable increases in premium. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.

In this article, we covered a lot of tips how to compare 1999 Toyota Corolla insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from a company that doesn’t do a lot of advertising.

The cheapest insurance is possible online and with local insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some insurance companies do not offer you the ability to get quotes online and these small insurance companies work with independent agents.

Additional auto insurance information can be read at the links below